PAVIMENTO

Active

Private limited companyfounded 20215 yrs activeVeldegemsestraat 1 B, 8210 Zedelgem, BelgiumKBO/BCE: BE 0763.367.432

The computed 12-month bankruptcy probability of PAVIMENTO is 2.0% (moderate). The 2025 annual accounts show equity of €63k and a net result of €21k. Equity is growing by ~48.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 27386 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

86 / 100

Excellent▼ -5 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency60▲+2

Growth78=

Stability94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity tight (current ratio 1.46 against 1.63 in 2024), and 68.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

31.8%

Return on assets

10.5%

Age of the figures

8 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 4 filings

Deviation from the deadline

2025

26 d late

2024

35 d early

2023

23 d late

2022

30 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€63k▲ 49.0%

2024 · €42k

2022: €19k 2023: €31k 2024: €42k

2022 → 2025

Total assets

€198k▲ 34.3%

2024 · €147k

2022: €157k 2023: €143k 2024: €147k

2022 → 2025

Net result

€21k▲ 79.0%

2024 · €12k

2022: €9k 2023: €11k 2024: €12k

2022 → 2025

Working capital

€44k▲ 5.2%

2024 · €42k

2022: €24k 2023: €26k 2024: €42k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€19k-€31k▲ 59.3%€42k▲ 37.7%€63k▲ 49.0%

Operating result€17k-€20k▲ 15.3%€19k▼ 5.3%€33k▲ 77.4%

Net result€9k-€11k▲ 23.1%€12k▲ 1.1%€21k▲ 79.0%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 77% above 2024 and is the highest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €198k

28.9%

71.1%

Fixed assets €57k▲ 49.6%

Current assets €141k▲ 29.0%

Equity and liabilities €198k

31.8%

68.2%

Equity €63k▲ 49.0%

Debt €135k▲ 28.4%

The debt ratio falls from 71.3% to 68.2%: equity grows faster than debt.

Key figures and ratios

2025 value · change against 2024

EBITDA

€43k▲

2024 · €30k

Cash flow

€30k▲

2024 · €23k

Solvency

31.8%▲

2024 · 28.7%

Current ratio

1.46▼

2024 · 1.63

Quick ratio

1.03▼

2024 · 1.08

Debt / equity

2.14▼

2024 · 2.48

ROE

32.9%▲

2024 · 27.4%

ROA

10.5%▲

2024 · 7.9%

Interest coverage

9.32▲

2024 · 4.81

Debt

€135k▲

2024 · €105k

Debt ≤ 1 year

€96k▲

2024 · €67k

Debt > 1 year

€39k▲

2024 · €22k

Income taxes

€11k▲

2024 · €4k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€147k€198k▲

Fixed assets21/28€38k€57k▲

Tangible fixed assets22/27€32k€51k▲

Plant, machinery and equipment23€6k€4k▼

Furniture and vehicles24€26k€48k▲

Financial fixed assets28€6k€6k=

Current assets29/58€109k€141k▲

Stocks and contracts in progress3€37k€41k▲

Stocks30/36€37k€41k▲

Amounts receivable within one year40/41€72k€99k▲

Trade receivables40€34k€39k▲

Other amounts receivable41€38k€60k▲

Deferred charges and accrued income490/1€398€0▼

Equity and liabilities

Total equity and liabilities10/49€147k€198k▲

Equity10/15€42k€63k▲

Contributions10/11€10k€10k=

Reserves13€32k€53k▲

Distributable reserves133€32k€53k▲

Profit (loss) carried forward14€0-

Amounts payable17/49€105k€135k▲

Amounts payable after more than one year17€22k€39k▲

Financial debts170/4€22k€39k▲

Amounts payable within one year42/48€67k€96k▲

Current portion of amounts payable after more than one year42€23k€21k▼

Financial debts43€16k€17k▲

Credit institutions430/8€16k€17k▲

Trade debts44€24k€49k▲

Suppliers440/4€24k€49k▲

Taxes, remuneration and social security45€4k€9k▲

Taxes450/3€4k€9k▲

Accrued charges and deferred income492/3€17k€0▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€9k▼

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k€0▼

Other operating charges640/8€1k€11k▲

Gross operating margin9900€33k€53k▲

Operating profit (loss)9901€19k€33k▲

Financial income75/76B€3k€3k▼

Recurring financial income75€3k€3k▼

Financial charges65/66B€6k€5k▼

Recurring financial charges65€6k€5k▼

Profit (loss) for the period before taxes9903€16k€32k▲

Income taxes67/77€4k€11k▲

Profit (loss) for the period9904€12k€21k▲

Profit (loss) for the period to be appropriated9905€12k€21k▲

Appropriation of the result

Profit (loss) to be appropriated9906€12k€21k▲

Profit (loss) brought forward from the previous period14P€0-

Transfer to equity691/2€12k€21k▲

To other reserves6921€12k€21k▲

The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 1Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

26-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 26 days late

2025

31-12

Financial Highest result since 2022net €21k ▲79%

Operating result €33k, net result €21k, both a record.

26-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

23-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 23 days late

2023

30-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Zedelgem · 1 establishment unit since 2021

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Veldegemsestraat 1 B8210 Zedelgem

Ground area

663 m²

Building footprint

122 m²

Volume, LiDAR

593 m³

Parcel 31036G0457/00K002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

PAVIMENTO

Veldegemsestraat 1B, 8210 ZedelgemManufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials

since 20212.313.046.360

1 parcel

Flanders 1 (100%)